Stipend-Safe Framework
You're in! Here's how to get the most out of the framework.
Watch your inbox for an email to verify your account. Don't see it? Check your junk or spam folder.
Start with the Introduction, then download your Setup Workbook in Part 1.
Watch the seven parts in order. Each one builds on the last.
Do the action step at the end of each part before moving on.
Follow Hannah. Her story shows you what to check in your own setup.
Come back anytime. You have lifetime access.
Bought the framework with a Tax Home Consultation? I'll email your booking link within 1 business day.
Questions? Email me at nermina@nerminacpa.com.
The Stipend-Safe Framework is general tax education, not personalized tax advice.
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Part 1 · Why Your Taxes Are Different
How travel pay works, W-2 vs. 1099, and three places travelers lose money.
How travel pay works, W-2 vs. 1099, and three places travelers lose money.
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Part 2 · Establishing Your Tax Home
What a tax home is (and what it never is), how the IRS decides, and the 50-mile myth.
What a tax home is (and what it never is), how the IRS decides, and the 50-mile myth.
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Part 3 · Maintaining It and Protecting Your Stipends
The two ways to keep a tax home, paying your share at home, the one-year line, and breaks in service.
The two ways to keep a tax home, paying your share at home, the one-year line, and breaks in service.
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Part 4 · Documentation and Audits
What to keep, how long to keep it, and what an IRS letter looks like.
What to keep, how long to keep it, and what an IRS letter looks like.
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Part 5 · Reading Your Pay and Setting Up Taxes Right
Read your pay stub, fix your W-4, and the 30% rule for 1099 travelers.
Read your pay stub, fix your W-4, and the 30% rule for 1099 travelers.
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Part 6 · Multi-State Filing
Which state returns you owe, and how the credit keeps you from paying twice.
Which state returns you owe, and how the credit keeps you from paying twice.
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Part 7 · Build for the Future and Know When to Get Help
Retirement accounts that fit travel pay, a simple yearly rhythm, and when to hand it off.
Retirement accounts that fit travel pay, a simple yearly rhythm, and when to hand it off.
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What you'll walk away with
A tax home that holds up
You'll know whether your tax home is valid, how to keep it, and how to prove it if the IRS ever asks. Your stipends stay tax-free.
You'll read your pay stub, fix your W-4, and set aside the right amount if you're 1099. April becomes just another month.
No surprise bill in April
Every state filed right, once
You'll know which state returns you owe, the order to file them, and how to avoid paying tax twice on the same dollar.
Records that protect your stipends
You'll know what to keep, how long to keep it, and what to do if an IRS letter ever shows up.
QUESTIONS OR NEED YOUR TAXES FILED?
30 minutes with me on your own tax home setup.
Every state return filed correctly.